Commerce Bank & Trust Winter Park, FL Rates and Review February 2026
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Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Rate Updates and AvailabilityCommerce Bank & Trust Winter Park, FL money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Commerce Bank & Trust Winter Park, FL? Share your experience about Commerce Bank & Trust Winter Park, FL by leaving a review below, or read customer reviews before you decide to use Commerce Bank & Trust Winter Park, FL. Commerce Bank & Trust Winter Park, FL Texas RatioCommerce Bank & Trust Winter Park, FL's Texas Ratio is at 0.00%, which is considered perfect. The Texas Ratio for Commerce Bank & Trust Winter Park, FL is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Commerce Bank & Trust Winter Park, FL has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Commerce Bank & Trust Winter Park, FL is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Commerce Bank & Trust Winter Park, FL
1201 S Orlando Ave
Winter Park, FL 32789 
Current Rate AvailabilityWe do not have Commerce Bank & Trust Winter Park, FL rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Commerce Bank & Trust Winter Park, FL is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Commerce Bank & Trust Winter Park, FL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Commerce Bank & Trust Winter Park, FL's official website for the most current offers and terms.
Bank Profile & OverviewCommerce Bank & Trust Winter Park, FL
1201 S Orlando AveWinter Park, FL 32789 Orange Established Date: 02/03/2003 FDIC Certificate #: 57429 Date of FDIC Deposit Insurance: 02/03/2003 Bank Holding Company: COMMERCE NATL BANKSHARES FL How Many Domestic U.S. Offices? 1 How Many Branches are There? 1 Website: https://www.cbt-fl.com
Is Commerce Bank & Trust Winter Park, FL FDIC Insured? Yes
What is Commerce Bank & Trust Winter Park, FL's Cert number? 57429
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$177,758,000
Total Deposits:
$158,917,000
Equity Capital:
$9,886,000
Net Income:
$233,000
Return on Assets (ROA):
0.5387%
Return on Equity (ROE):
9.5000%
Headquarters:
Winter Park
Regulator:
FED
# of Offices:
1
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for Commerce Bank & Trust Winter Park, FL yet. Feel free to create one below.
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Frequently Asked Questions About Commerce Bank & Trust Winter Park, FLHow do I open an account at Commerce Bank & Trust Winter Park, FL?You can typically open an account at Commerce Bank & Trust Winter Park, FL by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Commerce Bank & Trust Winter Park, FL provides a range of mortgage and home equity products. Is Commerce Bank & Trust Winter Park, FL a safe place to deposit money?Yes, Commerce Bank & Trust Winter Park, FL is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Commerce Bank & Trust Winter Park, FL offer online and mobile banking?Most modern institutions like Commerce Bank & Trust Winter Park, FL provide digital access including online balance checks and transfers. Compare to other Banks |
You can compare Commerce Bank & Trust Winter Park, FL rates to other rates in our database, including 12-month CD rates currently at 2.75%, 6-month CD rates at 3.65% and 3-month CD rates at 3.80%. Savings rates are at 0.25% and money market rates are at 0.55%. Mortgage rates on 30-year fixed loans are around 6.31%. All these rates, and more, can be found in our database of rates which you can compare to 
